Editor’s note: This is a transcript of the audio file.

It’s the season for giving. But it’s also the season for tipping. I’m Kristin Arnold with Bankrate.com’s Personal Finance Minute.

Holiday tipping centers on two major questions: How much cheer should you spread, and to whom?

Many people consider a holiday bonus for their lawn man a no-brainer. But how much do you give to your manicurist? What kind of cut should your barber get?

Then there are people who help with your kids: baby sitters, coaches, teachers and bus drivers. Relax. You can give wonderful and affordable presents that the receiver andyour budget will love. Be thoughtful, but economical, with your stocking stuffers.

One way to save is to have your kids make gifts for their teachers. They often mean more to the teachers than store-bought items.

There also are the people who help you run your life? For pet groomers, hairdressers, personal trainers and pool cleaners, estimate the value of one visit. Then, give cash or a gift equivalent to that amount.

For service workers like trash collectors or newspaper carriers, $10 is fine. If you CAN’T AFFORD it, send a card. For more tips on saving, go to Bankrate.com. I’m Kristin Arnold.